The Comoros Central Bank's 2025 Annual Report, published on 28 August 2026, reveals a financial sector in full transformation. Assets surging 14%, credit reviving, and reserve requirement reforms signal a durable structural shift for the Indian Ocean archipelago.
Assets Up 14% Year-on-Year
Total banking sector assets reached 262.3 billion Comorian francs at end-2025, up from 229.4 billion the previous year — a 14% increase (source: Banque Centrale des Comores). Gross customer credit distribution also accelerated, rising 8% to 145.8 billion francs.
This performance reflects a favorable macro backdrop: Comoros GDP grew 3.8% in 2025, the best result since the pandemic, while inflation fell to 3.3% from 5.1% in 2024.
A Decisively Pro-Growth Monetary Policy
The BCC held its benchmark rate steady at 3% while cutting reserve requirements from 12.5% to 10% in Q4, a move that frees additional lending capacity at a time when the archipelago's bancarization rate remains limited.
«The Comorian banking sector has entered a phase of structural consolidation», Financial Afrik noted in September 2026. Credit portfolio quality is improving, and several institutions are reporting notable profitability gains.
Payment Modernization and Financial Inclusion
Beyond the headline numbers, the central bank has accelerated payment infrastructure modernization to expand access to formal financial services. The archipelago is also benefiting from a modernized economic partnership agreement with the EU, creating a favorable framework for attracting foreign capital.
Why It Matters
A strong banking sector is the prerequisite for productive investment. If the 2025 momentum carries into 2026, Comoros could become a more attractive destination for regional and international investors — a meaningful shift for an Indian Ocean nation long overshadowed by its neighbors.